If you are rearended and your vehicle is driveable, you have the option of going through the other person’s insurance for your damages. However, they must complete an investigation of the accident and will not pay for anything until they have done so. They may require you to meet an appraiser to view your vehicle. They may also wish to take a recorded interview. Cooperating with their insurance company will just make matters easier.

If you are not happy with the settlement, and provided that you have collision coverage with your carrier, you may choose to use your carrier to handle the damages minus your deductible, and they will pursue the other carrier through a process called subrogation. Your job is basically done.
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The insurance company does not "represent" you. They can not act like an attorney and make demands on the other company. They can not negotiate your settlement with the other company. They will not call the other company just to check the status and then call you and tell you what the other company said.

What they can do – is tell you how their company handles things – give you general advice on the process.

If you have collision coverage – they can use your collision coverage to settle the damage to your vehicle and then they subrogate (go back against) the other company for repayment.
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Insurance Adjuster

HOWEVER, at both companies ive worked for… i will try to call in the claim to the other carrier for my insured.. and monitor the progress.

I CANT miraculously make the claim go faster.. i cant negiotiate for you.. or anything like that… thats not my job and i cant even legally do that as its not my car.

But, as my customer i will attempt to answer any questions and do what i can to help you while going through the other drivers insurance. Not all companies do this.. nor should they be expected to. You get what you pay for.. if you dont have collision.. you are basically saying "i understand that if my car gets hit i could potentially be out of a car for a long time while the other drivers insurance investigates and im ok with that"
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I always recommend getting a second opinion, and try to show the customer the problem before the repair is made so that the customer can feel comfortable with there decision to let me work on there car.

Unfortunately for you, It was the mechanics fault for not checking this when it came to them originally, but you probably won’t see a dime in compensation for there mishap.

On the behalf of all the good mechanic out there, I apologize for the trouble you’ve had with this shop/dealer. I can ensure you that not all mechanics are this careless. But keep searching around, cause like they always say, "if you can find a good doctor and a good mechanic you’ve been extremely blessed".

Good luck and I hope this helps!
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The only thing I really did was go get the police report of the accident and fax it to the other drive’rs insurance agent. They also had State Farm, but with a different agent than mine.

I even got a rental car to use for the three days it took for the shop to fix my car — and the other driver’s policy covered that.

I DID use one of their "Good Neighbor" preferred body shops, so maybe that’s why it was all so smooth – I didn’t shop around for estimates — it was minor damage to the rear bumper and a bent rear fender.
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Bondo is actually my preferred product, but not the body filler. Bondo makes a two part flexible repair kit that works well on the ABS and olefin bumper covers. I can’t remember the name of the product, but it is packaged in a white and green box, has two tubes and a sheet of reinforcing mesh. To use, clean and sand the inside of your bumper cover, use masking tape on the front side just to hold stuff in place, then mix and apply the repair goo using a bit of the mesh for strength.

I have used this stuff many times, and have put covers that were in pieces back together, as well as filled large holes. When hardened, this stuff can be sanded, then a bit of filler can be used before painting.

Auto_zone used to carry it, but if they don’t look for a auto paint supplier in your area.

Don’t fret over the coyote. He must have been trying out for a Geico commercial! Dumb coyote!
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